Question 1

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Accepted Answer

Choose whether you want to compare basic insurance, supplementary insurance or both together. Enter your details and needs.

Question 2

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Accepted Answer

With the premium calculator you see your savings potential and compare Swiss health insurers clearly in a personal results list.

Question 3

Request an offer

Accepted Answer

Choose the right health insurer and request a non-binding offer. On request we help you with the switch and the termination of your current health insurance.

Question 4

Premium calculator 2026: Which is the cheapest health insurer in Switzerland?

Accepted Answer

The health insurance premiums differ by place of residence and premium region, health insurer, model, deductible and Altersstufe. The cheapest health insurer is different for every situation. Compare basic insurance premiums for your situation and find the cheapest health insurer for 2026.

Question 5

When and how can I switch health insurer?

Accepted Answer

Mandatory basic insurance: You can switch basic insurance annually. The cut-off date for the insurer switch or termination is 30 November. If 30 November falls on a weekend, the termination must reach the health insurer on the Friday before. Health insurers must accept new policyholders for basic insurance regardless of their health situation. Expats also find a dedicated Health Insurance for Expats overview.Supplementary insurance: With most insurers you must terminate supplementary insurance by 30 September. For acceptance, the health insurer requires a health assessment via a health questionnaire. A pre-existing condition does not necessarily lead to a rejection. Possibly the pre-existing condition is excluded from coverage via a reservation .When switching supplementary insurance the rule applies: only terminate the old policy once the acceptance confirmation of the new health insurer is in hand. Templates can be found under termination templates.

Question 6

How do I find the cheapest health insurer?

Accepted Answer

The premium comparison in the Compando health insurance comparison lays the foundation. In addition, you lower the premium through targeted adjustments: An alternative insurance model such as family doctor, HMO or Telmed reduces the premium by up to 25 percent compared to the Standard model with free choice of doctor. A higher deductible further lowers the monthly premium. Anyone entitled to a premium reduction should submit the application on time.

Question 7

How much have health insurance premiums risen in 2026?

Accepted Answer

Health insurance premiums for basic insurance rise in 2026 by an average of 4.4 percent compared to 2025, lower than in the previous years 2023 to 2025. By choosing the health insurer, the deductible and the insurance model you cushion the increase. Anyone who makes full use of the savings potential and compares often offsets the increase entirely.

Question 8

How much does health insurance cost per month in Switzerland?

Accepted Answer

The median monthly premium 2026 is CHF 393.30 per adult. The median premium is the sum of all premiums paid in Switzerland, divided by the number of insured persons. Actual premiums differ by age, place of residence and premium region, deductible and insurance model, sometimes substantially. For young adults up to age 25, dedicated tariffs apply. Families benefit from significantly lower children's premiums.

Question 9

In which canton is health insurance cheapest?

Accepted Answer

The lowest median premiums in 2026 are in the cantons of Zug, Appenzell Innerrhoden and Uri. The highest premiums on average in 2026 are in the cantons of Ticino, Geneva and Basel-Stadt. Within some cantons, premium regions further differentiate. Anyone moving from a high-cost region informs the health insurer in time and thus avoids double insurance when relocating.

Question 10

Which is the best health insurer in Switzerland?

Accepted Answer

The best health insurer depends on your personal needs. Health insurers offer different service quality, customer satisfaction and model selection (family doctor, HMO, Telmed, Standard). The benefits of basic insurance are identical at all health insurers under the KVG. Health insurer rankings are therefore not based on benefits, but on service quality, digital tools, processing time for reimbursements and reachability.

Question 11

When is accident coverage via health insurance necessary?

Accepted Answer

In Switzerland, accident insurance is mandatory. If you are employed at least eight hours per week with a single employer or are registered with the RAV, you are automatically insured against accidents under the Accident Insurance Act (UVG). In this case, you can suspend the accident coverage in basic insurance and save on the premium. All other insured persons must include accident coverage in their basic insurance. For self-employed persons, alternative solutions exist.

Question 12

What does health insurance for a family in Switzerland cost per month?

Accepted Answer

A family with two adults and two children pays around CHF 1,050 per month for the mandatory basic insurance in 2026, on the Swiss average. The actual costs differ markedly by canton of residence, insurance model and chosen deductibles.Families benefit from lower children's premiums, multi-child discounts and alternative models. Details on optimising the family premium can be found in the family guide. Families with low income are entitled to a premium reduction depending on canton already from a gross income of 70,000 to 110,000 francs.

Question 13

Can I deduct health insurance premiums from taxes?

Accepted Answer

Health insurance premiums can be claimed in the tax return as an insurance deduction. The amount of the deduction depends on the canton of residence. At the federal level, the deduction for married couples is up to 3,500 francs, for singles up to 1,750 francs, plus 700 francs per child. Anyone not paying into Pillar 3a often benefits from the double deduction.In addition, co-payment, deductible and other illness-related costs can be deducted under «illness and accident costs», provided they exceed 5 percent of net income. Receipts such as doctor's bills, pharmacy receipts and self-paid amounts should be kept.

Question 14

How much are 2027 health insurance premiums expected to rise?

Accepted Answer

Initial forecasts for the 2027 health insurance premiums indicate an increase of around 3.5 to 4 percent compared to 2026. The premium rise would thus be somewhat lower than in 2026 (+4.4 percent) and 2025 (+6 percent), but remain noticeable. Drivers are still rising treatment costs, demographic ageing and new therapies.The FOPH will publish the definitive 2027 premiums presumably at the end of September 2026. Anyone who regularly compares health insurers and switches can at least offset the increase and at best save several thousand francs per year.

Health Insurance Comparison 2026

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Why a health insurance comparison 2026 is worthwhile

The health insurers in our comparison

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The most important things on health insurance

Switching health insurers

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Health insurance for families

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Termination letter for health insurance→

Our health insurance guide

Swiss Health Insurance System: Structure, Costs and Switching

Compare supplementary insurance

Which Supplementary Insurance Is Worthwhile in Switzerland?

Hospital Supplementary Insurance in Switzerland: Which Model Suits You?

Health Insurance from 18 and from 25: What Young Adults Should Know

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Suspend Insurer: Conditions and Deadlines at a Glance

Compare 2026 health insurance premiums

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Frequent questions about the health insurance comparison 2026

Premium calculator 2026: Which is the cheapest health insurer in Switzerland?

Premium calculator 2026: Which is the cheapest health insurer in Switzerland?

When and how can I switch health insurer?

When and how can I switch health insurer?

How do I find the cheapest health insurer?

How do I find the cheapest health insurer?

How much have health insurance premiums risen in 2026?

How much have health insurance premiums risen in 2026?

How much does health insurance cost per month in Switzerland?

How much does health insurance cost per month in Switzerland?

In which canton is health insurance cheapest?

In which canton is health insurance cheapest?

Which is the best health insurer in Switzerland?

Which is the best health insurer in Switzerland?

When is accident coverage via health insurance necessary?

When is accident coverage via health insurance necessary?

What does health insurance for a family in Switzerland cost per month?

What does health insurance for a family in Switzerland cost per month?

Can I deduct health insurance premiums from taxes?

Can I deduct health insurance premiums from taxes?

How much are 2027 health insurance premiums expected to rise?

How much are 2027 health insurance premiums expected to rise?

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